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Credit Administrator in Houston, Texas at Texas First National Bank

Recently UpdatedJob Function: Accounting/Finance
Texas First National Bank
Houston, Texas, 77036, United States
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Job Description

Job Function

    Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.Maintain the integrity of the credit management process by enforcing Bank policies and proceduresReview new and renewed loans before loan committee, attend loan committee meetings and discuss new and renewed loans. Aggregate and evaluate data related to credit and credit risk to support organizational decision-makingEnsure that credits are accurately risk graded, appropriately structured, and that sources of repayment and key credit risks are accurately identified and mitigated as appropriateMonitor past due and matured loan reports to ensure proper actions are being taken. Review maturing loan reports to assist loan officers with avoidance of administrative delinquencies. Identify all material changes and potential for risk rating downgrade.Provide credit review and evaluation for assigned commercial borrowers in support of Bank’s credit activities. Review real estate appraisals and prepares an appraisal review form as needed. Must have general knowledge how to interpret appraisalsAdditional duties as assigned as it relates to the position

Knowledge, Skills & Abilities

    Broad knowledge of regulatory requirements and standards applicable to commercial lending, commercial real estate and residential mortgage products. Superior credit analysis skillsStrong commercial underwriting skillsAbility to logically assess and address potential risks and uncertaintiesAbility to work independentlyStrong analytical and problem-solving skillsStrong verbal and written communication skillsAttention to details and accuracyStrong organizational skills.Ability to communicate with 3rd party vendors (eg. Appraisal companies & ESA companies)-Added

Professional Experience

    4 to 10 years of experience in commercial lending (C&I and CRE) including underwriting and approval, with at least 2 years in commercial banking or commercial real estate loan production-Requesting 5-10 years-Addedat least 5 years in a credit approval function with a commercial bank preferred.

Job Location

Houston, Texas, 77036, United States

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